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Housing and Consumer Finance: Archives

Transitioning to a New System for Multifamily Finance

The Mortgage Finance Working Group lays out steps to transform how we fund rental housing.

by the Mortgage Finance Working Group | Thursday, August 15, 2013

Why President Obama’s Housing Speech Matters to Young People

For saleHousing finance reform has big implications for Millennials’ lifestyles, financial security, and well-being—which is why it’s time for them to pay attention.

by Jessica Kaushal | Wednesday, August 14, 2013

A Comparison of Plans to Reform Our Housing Finance System

Home soldThe CAP Housing Team presents summaries of 26 plans to reform the U.S. housing finance market.

by John Griffith and the CAP Housing Team | Friday, July 19, 2013

Rethinking the Federal Housing Administration

Senior Fellow Jim Carr delivers a speech at the American Enterprise Institute.

by Jim Carr | Friday, July 12, 2013

Corker-Warner Housing Finance Bill an Important Start but Falls Short on Serving America’s Families

On June 25, 2013, Sens. Bob Corker and Mark Warner filed a bill to restructure the government’s role in the housing finance market. In response, CAP and a broad array of housing and civil rights groups sent a letter to the senators explaining how the bill falls short in serving America’s families.

by the CAP Housing Team and allies | Wednesday, June 26, 2013

Making the Mortgage Market Work for America’s Families

book_alt2 icon Report By supporting core values of access and affordability, the housing-finance system can help provide access to credit, enable families to build wealth, build strong neighborhoods, and support both the local and national economy.

by the Center for American Progress and the National Council of La Raza | Wednesday, June 5, 2013

Student-Loan Debt Has a Rippling Negative Effect on the Broader Economy

Student-loan debtIn comments submitted to the Consumer Financial Protection Bureau, CAP and Campus Progress identify some of the financial hurdles that student-loan borrowers may face and how these hurdles may affect the future housing market and economy.

by Joe Valenti, Sarah Edelman, Tobin Van Ostern | Wednesday, April 10, 2013

Public Proposals for the Future of the Housing Finance System

Home soldSenior Fellow Janneke Ratcliffe testifies before the Senate Committee on Banking, Housing, and Urban Affairs.

by Janneke Ratcliffe | Tuesday, March 19, 2013

Protecting Consumers and Preserving Lending Programs

Home for saleThe Center for American Progress Housing team submits comments to the Consumer Financial Protection Bureau on the qualified mortgage rule’s concurrent proposal.

by the CAP Housing Team | Friday, March 1, 2013

Why Arcane Mortgage Rules Matter for the Middle Class

homeownersHousing-finance policy decisions being made in Washington will determine whether working Americans and their children will be able to move into the middle class and achieve economic independence.

by David M. Abromowitz | Thursday, February 21, 2013

Examining the Proper Role of the Federal Housing Administration in Our Mortgage Insurance Market

Home saleJulia Gordon, Director of Housing Finance and Policy at the Center for American Progress, testifies before the House Committee on Financial Services.

by Julia Gordon | Wednesday, February 6, 2013

How the Debt Ceiling Fight Could Derail the Housing Recovery

A foreclosed homeFailure to raise the debt ceiling could have a significant effect on the U.S. housing market and seriously damage our recovery.

by Christian E. Weller | Thursday, January 17, 2013

The Housing Market Is Not Only for Homeowners

A woman walks next to a article icon Issue Brief As we chart the path to housing finance reform in the coming months, we must pursue approaches that create a lasting 21st-century finance system and meet the needs of both renters and homeowners.

by David M. Abromowitz | Monday, December 10, 2012

Building a New Infrastructure for the Secondary Mortgage Market

Home for SaleCAP’s Mortgage Finance Working Group offers suggestions to the Federal Housing Finance Agency to bring liquidity, stability, transparency, and private capital into the secondary mortgage market and ensure that borrowers have access to safe, sustainable, and affordable mortgage products.

by the Mortgage Finance Working Group | Wednesday, December 5, 2012

The Federal Housing Finance Agency Shouldn’t Punish Borrowers for State Foreclosure Timelines

Foreclosed homeComments from the CAP Housing Team outline how the agency’s plan for state-level guarantee fee pricing is an incorrect solution to elongated foreclosure timelines.

by the CAP Housing Team | Thursday, November 29, 2012